Average car insurance cost in Pawtucket, RI

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According to data from Insure.com, the average annual cost of car insurance in Pawtucket, Rhode Island is $2,452. The auto insurance rates in Pawtucket is $391 more than the state average and $557 more than the national average.

Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.

This article talks in detail about the most affordable car insurance companies in Pawtucket, the average car insurance rates by age and gender, and how much car insurance cost in Pawtucket depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in Pawtucket. Keep reading to learn more.

Cheap car insurance companies in Pawtucket

At an average of $1,517 per year with full coverage limits of 100/300/100, State Farm provides the most affordable car insurance in Pawtucket.

Ranked as the second most affordable company in Pawtucket, American Family provides car insurance at $2,203 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Pawtucket that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Pawtucket, Rhode Island:

Read about the best car insurance companies.

Average car insurance cost in Pawtucket by coverage limits

The average car insurance rates in Pawtucket based on coverage types are as follows:

• State minimum coverage: $790 per year (limits are 25/50/25)
• Liability only coverage: $1,000 per year (limits are 50/100/50)
• Full coverage: $2,452 per year (limits are 100/300/100)
• Non-owners coverage: $583 per year

In many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.

To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Pawtucket

The average car insurance rate for a female driver in Pawtucket, Rhode Island, is $2,440 per year.

While the rate for a male driver is $2,465 per year, which is $25 more than what female drivers pay, according to a rate analysis by Insure.com.

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Pawtucket

In Pawtucket, car insurance rates are highest for teens, averaging $8,252 per year or $688 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,756 annually for their car insurance, which is $4,496 less than what teens pay for their coverage.

In Pawtucket, adult drivers pay an average of $2,437 per year for car insurance, while senior drivers pay $2,555 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rate trends in Pawtucket

Examining the trends in car insurance rates in Pawtucket, Rhode Island it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 14%, or $302.

The table below shows the trend for last four years:

Conclusion

In conclusion, Pawtucket’s car insurance rates are higher than the average insurance rates in Rhode Island. Drivers in Pawtucket can find affordable car insurance options by shopping around and taking advantage of available discounts. Moreover, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.